AUTO

Insurance Service of Sarasota has over 10 companies that we compare to offer you the best coverage for the best price. Please review the basics of the auto policy (below) and contact us for a FREE no obligation quote.

Bodily-injury liability
What it covers: In an accident where you are found to have been at fault, it pays for the medical treatments, rehabilitation, or funeral costs incurred by another driver, the other driver's passengers, passengers in your car, and pedestrians.

Property-damage liability
What it covers: Repair or replacement of other people's vehicles or property that someone, insured on your policy, damages in an accident.

Collision and comprehensive
What it covers: Collision pays for the repair of your car or replacement of its actual cash value, regardless of who was at fault. Comprehensive pays for replacement or repairs after your car has been stolen or damaged as result of events such as fire, flood, and windstorm.

Personal-injury protection (PIP)
What it covers: A broader form of med pay that covers medical and funeral costs for you and members of your household. It also pays a portion of lost wages and the cost of in-home assistance.

Uninsured and underinsured-motorist coverage
What it covers: It pays you and members of your household for medical costs, rehabilitation, funeral costs, and losses from pain and suffering resulting from an accident caused by a hit-and-run driver, or by a driver who lacks sufficent insurance or who has no insurance at all.

Glass Breakage
What it covers: Replacement of cracked glass to your car, regardless of how it occurred.

Rental reimbursement and towing
What it covers: Towing your wrecked car and the payment for a car rental while your auto is being fixed after an accident.

Uninsured-motorist property damage
What it covers: Pays for damage to your property by someone without insurance, or without enough insurance to reimburse your costs.

Medical-payments coverage
What it covers: Also called "med pay," it pays physicians and hospital bills, rehabilitation costs, and some funeral expenses for you and your passengers. It also pays limited compensation for services needed during convalescence.

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